Credit Card EXPERT explains the use of Credit Cards | TRAVEL FREE USING CREDIT CARD REWARD Points

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1 Finance is a new-age personal finance institution, reimagining the landscape of personal finance advisory in India. They are dedicated to delivering holistic financial planning tailored to your individual needs and life aspirations. Through the expertise of qualified financial advisors, they guide customers by offering hyper-personalised and unbiased advice, empowering you to attain a state of financial well-being.
Website: 1finance.co.in/
In this video, I am with one of the smartest credit card experts in the country, who literally turned this passion into a full functioning business. Tejas Ghongadi, co-founder of The Points Code helps you understand how to optimise credit card spends and choose the right card while avoiding all the ugly mis-selling that happens in the industry. He is someone who has optimised his credit card game to the extent that he takes international business class trips for free every year, you’re in safe hands!
Check out Tejas’ socials and his company here;
The Points Code - www.thepointscode.com
Tejas’ Instagram - tejasghonga...
Link to create an episode with us : docs.google.com/forms/d/e/1FA...
#creditcards #creditcard #creditcardsforbeginners #finance #insurance #insuranceadvice
Come say hi :)
Instagram: / lordmoneyengar
Twitter: / lordmoneyengar
KZbin: / lordmoneyengar
LinkedIn : / aaditya-iyengar-4683b6203
0:00 - Short-Cuts
0:30 - Intro
1:17 - About the Guest
3:02 - About his own Credit Cards
4:00 - How to use Credit Card responsibly?
6:00 - 1Finance Credit Card Scoring and Ranking Tool
6:40 - Interest Rates and Fees
9:42 - Pain Points and Credit Card Ecosystem
13:03 - How to deal with Banks and resolve Ambiguity?
14:38 - Importance of Terms and Conditions
15:34 - Why beware of Free Credit Cards?
16:56 - The Best Credit Card
19:12 - Choosing Credit Card based on Spending
23:40 - How to use Reward Points?
29:14 - Importance of Official Information
30:04 - Outro

[@amandeepsinghsidhu1653]

He just telling his story totally wast of time

[@sanmoysanyal]

We know more than this being a youngster.

[@harishpatarla]

Thanks

[@kishankumarreddy7867]

Amazing video brother From my side request is cancelled you please make dedicated videos on how to dismantle and assemble a transmission by explaining each and every part function and what if that part fails what does it cause problem in transmission

[@AshokKumar-vw1er]

Sir, which credit card are you using for travelling on which you are getting free travel ?

[@jayeshparmar1554]

Such very useful information

[@editwithkiran]

This was very informative podcast 🙌🏻

[@WittybalakComedy]

He sounds like Rahul Subramanian giving serious advice!

[@Manash_Singh26]

I think one of the important question missed here about closure of credit card, a proper way of closure of credit card

[@editwithkiran]

I think its there in podcast, at about 14 min.

[@mayurkumar1102]

😂😂😂😂

[@AmazingCreditCards]

A must watch video 🔥

[@Vidsagv]

The issue of wrong information - it’s not only in credit card it’s also in various aspects including loans. Even if we approach the bank at the central level as functions such as credit card are centralised they guide us to approach branch. In my case there are some enquiries for loan requirements for Crores were shown in CIBIL report in name of Bank of Baroda and approached in the central help desk and they asked me to check with branch and I did not even know which branch has marked such enquiry. Later I came to know from a friend that the banks apart from loan disbursement targets has to meet some targets in enquiry recd etc and used to just like that record it with whatever PAN details they had.

[@ambujkansal]

Thanks a lot

[@sagarbandodkar9]

A Great video by Tejas ji

[@lordmoneyengar]

He’s a legend fr

[@sagarbandodkar9]

@@lordmoneyengar even I run a page on credit cards on twitter Called “Amazing Credit Cards”

[@Dhairya31125]

Want a complete roadmap on quantitative finance

[@virenpatel2940]

Can we pay 'Rupay Credit card' bill from other bank account's NEFT online?

[@RomanSingla07]

❤❤❤❤❤Sir mere papa ek businessman hai but my interest is in trading, stock market so CFA is good for me or another course Please guide me about this 🙏🙏❤❤❤❤❤❤

[@formyself9883]

Sir how can deal with hidden charges Sbi doing hidden charges on spends

[@RomanSingla07]

❤❤❤❤Sir mere papa ek businessman hai but my interest is in trading, stock market so CFA is good for me or another course Please guide me about this❤❤❤❤❤❤ 🙏

[@mightygamer6317]

Ek card to suggest kiya nh, iski spain trip ka hum kya kre

[@akhileshnanoti1256]

Hi sir I am a law student of 1st year , i think I am developing an interest in finance related stuff, what would you recommend me to do ? Should I be doing CFA along with my llb course? I genuinely need your guidance 🙏🏻

[@akhileshnanoti1256]

I am an 18 year old btw . So, I have the time aspect to contribute

[@lordmoneyengar]

See the CFA for non finance video I’ve made

[@harshwardhanagrawal6836]

I saw reels with your father

[@antofearth9076]

Twitter influencer se kya hi expect kar sakte he

[@MathurSahabKanpuriya]

Bring a common man here and ask if they can do this. He is a businessman and uses his card for massive business purchases hence he gets such reward points. Don't fool audience. Card companies are now capping such misuse.

[@kumarpatnayak9987]

why every month my cibil 1 point down

[@user-cy8ow5pb5g]

Hedge funds ke baare mein video banaya na

[@SONUKUMAR-qv6jm]

Hi Buddy As you mentioned jn your bio that you can make me understand about business and Finance any thing. So it's my humble request to you that if Alternative Investment Funds. Table of content what I required Taxation Part link whom pay tax. And Process for onboard foreign investors and documents to be sign. And other relative things like Cat 1 required

[@lordmoneyengar]

Ok bhai

[@pravdr1]

Points credited are not recoinciled against your payment but clumped for entire month daylight robbery

[@kps2017]

I have a SBI BPCL Octane card. I use petrol of Rs 10k every month from this card. Rest I use only if I don't have to pay extra like buying insurance, term plan, electricity bill, D mart expenses. I think I can get petrol worth 8k in a year out of it.

[@lordmoneyengar]

🔥 🔥🔥

[@shivduttm7940]

It’s Time to buy E car brother

[@paldhritiman]

For BPCL petrol & Bharat Gas: Return Rate 6.5% & Groceries, Movie, Dining 2.5% & Others 0.25%

[@Sachi-jb3bi]

7.5k rupees worth petrol in a year on 30k points

[@AbhijitChandekar]

Please suggest cards for 1) medical expenses 2) paying insurance premium 3) paying utility bills. If you suggest these cards, then I think you will nail it.

[@AbhijitChandekar]

Still no response

[@wagmi614]

@@AbhijitChandekar dude they're not you're naukar, pay some expert their consulation fee if you want detailed information or just do research on your own if you want it for free

[@AbhijitChandekar]

@@wagmi614 unhone ye batane ke liye tumko naukri pe rakha hai kya?

[@wagmi614]

​@@AbhijitChandekar haan, overly egoistic narcissists who think "merko reply kyun nai kiya ek din ho gaya, janta hu me kaun hu" to trigger karne ko bola hai like honestly, as if they're obliged to reply to you, like theek hai you have put the comment out, if someone knows they'll reply, ye kya tarika hua ke ek din ho gaya no reply lol

[@AbhijitChandekar]

@@wagmi614 kya peeta hai bhai tu... Bada entertaining lag raha hai 😂

[@RomanSingla07]

I am in class 12 and mera interest stock market, nifty, crypto Mai hai to mai v cfa karo

[@greygrey9628]

Pehle commerce mein graduation kar , baad mein cfa . Easy hoga

[@vikasgurjar6937]

Mere pass 6 credit card hai ICICI Amazon pay 80000 Axis filpkart 86000 Sbi bpcl 78000 Hdfc 40000 Au bank 55000 Rbl bank 59000

[@lordmoneyengar]

🔥

[@mauliksiddhpura2803]

The title was TRAVEL FOR FREE

[@mritunjoyhore6131]

Which card was used to travel for free?

[@lordmoneyengar]

It was a combination of Magnus, Amex and HDFC.

[@dheerajdadlani6713]

@@lordmoneyengarMagnus bandh ho gaya

[@bharathbalaji9810]

May i know list of 7 credit cards he is using ?

[@lordmoneyengar]

he’s revealed them time and again on his Twitter + this video is literally about that, you don’t need to know his cards, pay attention to how he mentioned you’re supposed to choose your own

[@ankurdogra7873]

I have 14

[@rohansahu969]

1000 rupaye ka 7 %7 rupaye hota hai 7mint time pe

[@abhisheksinari1451]

Arey but kuanse credit cards use kar rahe ho woh toh batao

[@lordmoneyengar]

bhai wahi toh point hai, ke it doesn’t matter woh kaunse use kar rahe hai, he’s explaining how you should pick the ones that are best for you

[@bablududdi225]

I ve 21 credit card: 1. ICICI Amazon Credit card 2. ICICI coral credit card 3. SBI BPCL octane card 4. SBI simply credit card 5. HDFC Tata neu credit card 6. Idfc select credit card 7. BOB select card 8. BOB HPCL Energie Credit card 9. Federal chelsta credit card 10. Stn Ctd Super value titanium card 11. Hsbc platinum card 12. Kotak white credit card 13. pnb rupay select card 14. Axis Flipkart Credit card 15. Axis My zone credit card 16. Axis Indian oil card 17. SBM Uni Next card 18. Citi Indian oil card 19. Au small Lit card 20. Indus Signature legend credit card 21. RBL Sapphire card Total limit - 40-42 lacs

[@lordmoneyengar]

That’s crazy! How do you distribute your spends across all of them?

[@bablududdi225]

@@lordmoneyengar Category based, i.e grocery, fuel, dining and commercial site based like Amazon, Flipkart etc. mostly 5-7 cards are in regular use and rest are occasionally for specific offers. Apart from these cards my wife is also holding 5 credit cards( in that Sbi cashback and Hdfc dinners millennia cards are in regular use). Till now I never missed credit card payment and that too full payment. One thing, be responsible while using credit cards. Don't go for overspend.

[@Dushyantgiri]

How to manage many credic card payments of so many credit card and track the expense at one place?

[@bablududdi225]

@@lordmoneyengar Category specific uses i.e grocery, fuel, dinning and commercial based like Amazon, Flipkart etc. Credit card are great tools if you use it responsibley. Always make full payment on time. Mostly 4-5 cards are in regular use rest are for occasional offers.

[@lokeysh5]

Mostly are free from annual fees & joining fees.. I'm managing 12 credit cards and earning 4-5k monthly

[@abhishekpurwar9932]

Hi Aaditya, I have just filled your form and sent to you but I don't have instagram handle. I want to discuss with you about Medical Insurance malpractices and harassments

[@lordmoneyengar]

You can add any other social media handle or your WhatsApp.

[@jyotirmoypramanik4628]

22:10

[@Anup10322]

Faltu ka gyaan nhe chlta bhai

[@SACRED_HITMAN]

Itni matha fodi krna hi kyo

[@KMediaPteLtd]

Aaditya this was the worst video.

[@hkmohan9113]

SBI card fraud hai. Door rehna.

[@dayakarashankaraiah3492]

Un necessary non sense discussion.

[@akshaykapile6029]

useless podcast

[@SaidulVlogs2.0]

I have 7 credit card SBI BPCL OCTANE _ 11400 Limit HDFC BPCL_10800 LIMIT ICICI AMAZON_11000LIMIT AXIS FLIPKART_10400 LIMIT Induslnd Aura edge_12100 limit Pnb Platnium_50k And yes Bank 40k limit

[@lordmoneyengar]

Hope you’re able to optimise properly

[@SaidulVlogs2.0]

@@lordmoneyengar yes brother and other bank loan bhi hai And Cibil Score 778 Hai 8 years old Cibil

[@user-cv9cs8ye3f]

Bhai ye tere card ki limit nahi hai balke upar ki 5 bank ne tumhe card ke nam ki choclet di hai

[@bablududdi225]

I ve 21 credit card: 1. ICICI Amazon Credit card 2. ICICI coral credit card 3. SBI BPCL octane card 4. SBI simply credit card 5. HDFC Tata neu credit card 6. Idfc select credit card 7. BOB select card 8. BOB HPCL Energie Credit card 9. Federal chelsta credit card 10. Stn Ctd Super value titanium card 11. Hsbc platinum card 12. Kotak white credit card 13. pnb rupay select card 14. Axis Flipkart Credit card 15. Axis My zone credit card 16. Axis Indian oil card 17. SBM Uni Next card 18. Citi Indian oil card 19. Au small Lit card 20. Indus Signature legend credit card 21. RBL Sapphire card Total limit - 40-42 lacs

[@AbhishekSingh-fo5gz]

Lifetime free hoga

[@RomanSingla07]

I am in class 12 and mera interest stock market, nifty, crypto Mai hai to mai v cfa karo

[@joshuadias2468]

MBA- Finance CFA FRM So many options are available.. which will place you into the stock market industry. You have to think of what work you want to be doing on a daily basis? Like what should your profile be?